Well, not to argue semantics, but I'm going to argue semantics here. 16 is not "a dozen FC's", that would be 12. I never said it was impossible, not once, I just said that it would almost feel like a full-time job if you have 16 or more FC's to manage scattered between three different service accounts. Which I'm going to just do a basic estimate here, is like wasting 18 hours of your day away simply by just going through your housing alone for the airships and subs, etc. If I'm going to waste 18 hours of my day, well, I'd rather waste at least 7-8 getting paid with a full-time job instead of turning my MMO into something that only provides me with virtual money as a full-time job.
First off, you don't need to lecture me about "more people actually like complaining about not having one than they care about what it takes to get one". Let me just call out that part and how I think it's a bit of naivety to assume that everyone complaining that the housing structure is garbage and the people taking advantage of the loopholes are greedy people are simply people that don't have a house and are therefore jealous. You would be wrong and farther from the truth. I am part of a FC with a large house and I own a private, small in the 1st ward of Shirogane while micromanaging a private, small in the 1st Ward, Goblet for my fiance when he can't be around sometimes. How bad did I actually want that house in Shirogane? Well, certainly enough to force myself awake til 7am when the servers reopened on the very first release day of Shirogane housing, that's how bad. And I STILL had to throw caution towards the wind with the server queues and whether or not that they would favor me and let me log in to grab the spot that I had wanted before someone else.
This isn't about someone getting a house that someone else wanted. This isn't about a SINGLE home whatsoever, this is about ONE player taking advantage of the loopholes within the rules, because it's there, because they can do it, and because they will without any kind of disregard that their actions prohibit other people from enjoying a part of the game that they want to enjoy also and have the funds to do so. This is about one, single person owning up multiple houses to fuel their own flawed greed because that's all airships do, they make money. That's it. And, that is the only reason why someone needs 20+ airships is for their lucrative properties and the person's excessive desire to be rich, and by golly, they will step on as many people to get there. That's what this is about.
When personal greed fuels you as a player to step on and spite others and then wave it in their faces with the "got mine, screw you plebs" sort of mentality, that's not entirely SE's fault, and granted SE shares a decent portion of the blame, however, they're also expecting their players to play fairly and act accordingly and courteous to other players above all while playing the game. No player by themselves needs 16+ FC houses no more than a player needs to run the Vault with a newbie healer on release day.
Let me stress at the end, "Just because it's there and that you can buy it, doesn't mean that you absolutely need it".
I could afford another private small if I really wanted to and get another service account for it...then transfer the gil in doing so, could doesn't mean that I should. Big difference in morals here.